Capital Bank Mortgage Rates, Fees & Info

HOUSTON, TX

LEI: 549300E2M76Y41U4FC19

Tax ID: 74-1501536

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Capital Bank is a smaller bank specializing in Home Purchase, Refi, and Home Improvement loans. Capital Bank has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Huntsville, and Brenham among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Capital Bank has an average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    48

    Origination Dollar Volume (All Markets)

    $20,500,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 45 $15,555,000 $345,667 $0 0.00%
    Huntsville, TX (FHA|USDA|VA) 1 $4,705,000 $4,705,000 $0 0.00%
    Brenham, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    Outside of Metro Areas 1 $115,000 $115,000 $0 0.00%
    Capital Bank's top markets include Houston, Huntsville, and Brenham among others.

    Their top states include:
  • Texas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 48 $20,500,000 $427,083 $0 0.00%

    For 2019, Capital Bank's most frequently originated type of loan was Conventional, with 48 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 24 $4,790,000 $199,583 $0 0.00%
    Refi 14 $10,270,000 $733,571 $0 0.00%
    Home Improvement 7 $5,295,000 $756,429 $0 0.00%
    Other 3 $145,000 $48,333 $0 0.00%

    For 2019, Capital Bank's most frequently cited loan purpose was Home Purchase, with 24 originations. The 2nd most popular reason was Refi, with 14 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 48 $20,500,000 $427,083 $0 0.00%

    For 2019, Capital Bank's most frequently cited loan duration was Other, with 48 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 17 $2,345,000 $137,941 $0 0.00%
    $100,000 or less 15 $845,000 $56,333 $0 0.00%
    $200k-400k 9 $2,465,000 $273,889 $0 0.00%
    $1MM+ 6 $14,430,000 $2,405,000 $0 0.00%
    $400k-600k 1 $415,000 $415,000 $0 0.00%

    2019 saw Capital Bank place emphasis on $100k-200k loans with 17 originations, totaling $2,345,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 6 $630,000 $105,000 $0 0.00%
    $150k-250k 5 $1,225,000 $245,000 $0 0.00%
    $250k+ 5 $3,115,000 $623,000 $0 0.00%
    $50k or less 4 $210,000 $52,500 $0 0.00%
    $100k-150k 3 $265,000 $88,333 $0 0.00%
    $50k-75k 1 $55,000 $55,000 $0 0.00%

    Capital Bank lent most frequently to those with incomes in the $75k-100k range, with 6 originations. The second most popular income band? $150k-250k, with 5 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 48 $20,500,000 $427,083 $0 0.00%

    Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 48 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 24 $15,000,000 $625,000 $0 0.00%
    White 18 $4,520,000 $251,111 $0 0.00%
    Asian 4 $510,000 $127,500 $0 0.00%
    Black 2 $470,000 $235,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    81.67%

    Capital Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    97.92%

    Capital Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 48 $20,500,000 $427,083

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $7,225,000 $2,408,333
    Single Family (1-4 Units):Site-Built 45 $13,275,000 $295,000

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Capital Markets Cooporative, LLC Conventional home mortgage Closing on a mortgage 2 4.7%
    Capital Markets Cooporative, LLC Conventional home mortgage Trouble during payment process 40 93.0%
    Capital Markets Cooporative, LLC Other type of mortgage Incorrect information on your report 1 2.3%